Best Cheap Auto Insurance in Hotchkiss, CO (2021)

The average Hotchkiss, CO auto insurance rates are $296 per month. The minimum auto insurance in Hotchkiss is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Hotchkiss, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Hotchkiss for teen drivers is Allstate
  • The minimum auto insurance required in Hotchkiss, Colorado is 25/50/15
  • The average commute length in Hotchkiss is 26.2 minutes

Hotchkiss, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Hotchkiss can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hotchkiss, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Hotchkiss to other Colorado cities, including Aurora auto insurance rates, Thornton auto insurance rates, and Centennial auto insurance rates to see how Hotchkiss, Colorado auto insurance rates stack up.

Before you buy Hotchkiss, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hotchkiss, Colorado auto insurance quotes.

Minimum Auto Insurance in Hotchkiss, Colorado

Hotchkiss, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hotchkiss, Colorado.

Minimum Required Auto Insurance Coverage in Hotchkiss, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Hotchkiss, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hotchkiss, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hotchkiss, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,318 $3,093 $2,971 $3,005 $11,576 $12,124 $3,661 $3,700
American Family $2,424 $2,424 $2,188 $2,188 $5,878 $7,883 $2,424 $2,977
Farmers $2,962 $2,927 $2,694 $2,909 $10,868 $10,861 $3,251 $3,281
GEICO $1,561 $1,700 $1,622 $1,814 $4,836 $5,148 $1,437 $1,477
Liberty Mutual $1,886 $1,874 $1,588 $1,740 $5,156 $5,626 $1,908 $1,953
Nationwide $2,053 $2,092 $1,839 $1,943 $5,148 $6,579 $2,357 $2,543
Progressive $2,404 $2,255 $2,070 $2,070 $7,872 $8,812 $2,716 $2,650
State Farm $1,720 $1,720 $1,541 $1,541 $4,890 $6,192 $1,922 $2,279
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Cheap Hotchkiss, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Hotchkiss, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Hotchkiss, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Hotchkiss, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,576 $12,124
American Family $5,878 $7,883
Farmers $10,868 $10,861
GEICO $4,836 $5,148
Liberty Mutual $5,156 $5,626
Nationwide $5,148 $6,579
Progressive $7,872 $8,812
State Farm $4,890 $6,192
USAA $5,325 $6,108

Cheap Hotchkiss, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Hotchkiss, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Hotchkiss, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,971 $3,005
American Family $2,188 $2,188
Farmers $2,694 $2,909
GEICO $1,622 $1,814
Liberty Mutual $1,588 $1,740
Nationwide $1,839 $1,943
Progressive $2,070 $2,070
State Farm $1,541 $1,541
USAA $2,042 $2,056

Cheap Hotchkiss, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hotchkiss, Colorado compared to the annual auto insurance rates with a clean record in Hotchkiss, Colorado.

Annual Hotchkiss, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,607 $5,307 $6,563 $5,247
American Family $2,623 $3,729 $4,868 $2,974
Farmers $4,192 $5,389 $5,322 $4,974
GEICO $1,744 $2,684 $3,093 $2,276
Liberty Mutual $2,366 $2,779 $2,910 $2,810
Nationwide $2,368 $3,224 $4,083 $2,603
Progressive $3,352 $4,622 $3,537 $3,912
State Farm $2,512 $2,939 $2,726 $2,726
USAA $2,344 $2,849 $4,987 $2,642

Cheap Hotchkiss, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Hotchkiss, Colorado is not easy. Compare the annual rates for DUI auto insurance in Hotchkiss, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Hotchkiss, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,563
American Family $4,868
Farmers $5,322
GEICO $3,093
Liberty Mutual $2,910
Nationwide $4,083
Progressive $3,537
State Farm $2,726
USAA $4,987

Cheap Hotchkiss, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Hotchkiss, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Hotchkiss, Colorado

Insurance Company Poor Fair Good
Allstate $6,926 $5,334 $4,034
American Family $4,613 $3,282 $2,750
Farmers $5,796 $4,673 $4,439
GEICO $2,939 $2,449 $1,960
Liberty Mutual $3,898 $2,363 $1,888
Nationwide $3,706 $2,939 $2,563
Progressive $4,398 $3,741 $3,428
State Farm $3,783 $2,432 $1,961
USAA $4,757 $2,700 $2,160

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Cheap Hotchkiss, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Hotchkiss, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Hotchkiss, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Hotchkiss, Colorado

ZIP Code Average Annual Rates
81419 $3,273

Cheap Hotchkiss, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Hotchkiss, Colorado auto insurance. Find the cheapest annual Hotchkiss, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Hotchkiss, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,431 $5,431
American Family $3,472 $3,624
Farmers $4,969 $4,969
GEICO $2,399 $2,500
Liberty Mutual $2,716 $2,716
Nationwide $3,069 $3,069
Progressive $3,856 $3,856
State Farm $2,659 $2,792
USAA $3,115 $3,296

Cheap Hotchkiss, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Hotchkiss, Colorado? Check out the comparison of annual Hotchkiss, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Hotchkiss, Colorado

Insurance Company Low Medium High
Allstate $5,199 $5,416 $5,678
American Family $3,381 $3,622 $3,642
Farmers $4,383 $4,903 $5,621
GEICO $2,263 $2,418 $2,667
Liberty Mutual $2,588 $2,708 $2,854
Nationwide $3,080 $3,067 $3,061
Progressive $3,604 $3,866 $4,099
State Farm $2,554 $2,726 $2,897
USAA $3,077 $3,205 $3,334

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Best By Category: Cheapest Auto Insurance in Hotchkiss, Colorado

Compare the cheapest auto insurance companies in Hotchkiss, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Hotchkiss, Colorado

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Hotchkiss, Colorado Auto Insurance Companies

What auto insurance companies in Hotchkiss, Colorado are the cheapest? Compare the top Hotchkiss, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Hotchkiss, Colorado

Insurance Company Average Annual Rates
Allstate $5,431
American Family $3,548
Farmers $4,969
GEICO $2,449
Liberty Mutual $2,716
Nationwide $3,069
Progressive $3,856
State Farm $2,726
USAA $3,206

What affects auto insurance rates in Hotchkiss, Colorado?

There are a lot of reasons why auto insurance rates in Hotchkiss, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hotchkiss, Colorado. Many local factors may affect your Hotchkiss auto insurance rates.

Hotchkiss Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hotchkiss, Colorado commute length is 26.2 minutes according to City-Data.

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Compare Hotchkiss, Colorado Auto Insurance Quotes

Before you buy Hotchkiss, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hotchkiss, Colorado auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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